Alliance Bank Visa Infinite Business Credit Card

Enjoy better cash flow and 56 days interest-free on purchases to make your business run. Your choice of cashback or reward points for the money spent.

Alliance Bank Visa Infinite Business Credit Card56 days interest free
Min. Income
Annual Fee
up to 1.5%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
56 days


Make every Ringgit you spend on company purchases and travel worth it by receiving monthly cashback of up to 1.5%. Enjoy higher cash back rebates when you spend more each month.

Cashback categoryCashback rateMonthly capSpend
All Retail0.2%RM20from RM1 up to RM10,000 monthly
All Retail0.5%RM950from RM10,001 up to RM200,000 monthly
All Retail0.8%RM800from RM200,001 up to RM300,000 monthly
All Retail1.5%RM5,250from RM300,001 up to RM650,000 monthly


Prefer the reward points more than cashback? You can opt to earn 1x Alliance Bank Timeless Bonus Points for each RM1 you spend locally and double the points on overseas spending.

Alliance Bank Timeless Rewards
2 points on every RM1on all overseas spending
1 point on every RM1on all local spending


Unwind and relax at VIP lounges at more than 300 cities worldwide while on business. Safe travels with complimentary travel insurance coverage of up to RM2 million.

Travel CoverageSum Insured
Personal AccidentUp to RM2,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM2,500
Delayed LuggageUp to RM1,000


Special privileges and exclusive discounts on dining, golfing, travel and shopping worldwide. Easy and convenient travel with VISA Infinite 24 / 7 concierge services, just a phone call away.

Easy Payment Plans

Stretch the repayments over 3 months with a special 0% interest p.a. instalment plan with Alliance Bank Business Credit Card FlexiPay. That's more cashflow when you need it most.

Fees & Charges

Annual Fee
  • RM800 primary card

    First year free

    Waived when you spend RM80,000 for subsequent years

  • RM100 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 80%
Contact-less Payment Methods


Minimum Annual Income
Who can apply
  • Any Business


Easy Payment Plan


Cashback or Reward Points

Alliance Bank Visa Infinite Business Credit Card allows you to make choices on whether to earn cashback or reward points. Every Ringgit you spend on retail purchases is worthy with both options.

If you are in favour of cashback benefit, you can earn 0.2% cashback for purchases of up to RM10000. Yes, there's no minimum purchase required. If you spend between RM10001 and RM200000, you can enjoy 0.5% cashback, meanwhile, the cashback is 0.8% for the spending between RM200001 to RM300000. If you spend more than that, you can earn the highest cashback rate of 1.5%. However, the maximum cashback is capped at retail purchases of RM650000 per month. That simply means the maximum monthly cap is RM9750.

On the other hand, you can opt for Timeless Bonus Points (TBP) with no expiry date. For every Ringgit you spend on retail purchases locally, you can earn 1x Timeless Bonus Point. Besides that, you can earn double TBP for your retail purchases at overseas. Bear in mind that petrol and government-related expenses will not be rewarded with Timeless Bonus Points.

0% Interest Instalment

For your overseas business spending, you can opt to repay with zero interest with 0% Alliance Bank Business Credit Card FlexiPay Plan, provided that you are able to settle the outstanding dues in 3 months. The minimum spending required is RM500.

If you would like to pick longer repayment periods, you can opt for a 6-month repayment plan with the one-time upfront handling fee of 2.5%. Besides that, you can stretch your business spending repayment to 12 months with the one-time interest rate of 5.5% on the FlexiPay amount. The minimum purchase amount is RM500.

The one-time upfront interest rate will be charged on the first instalment month. Despite the FlexiPay Plan's low interest rate, it's better to make the repayment on time. Otherwise, Alliance Bank will charge you 18%p.a. on the outstanding monthly instalment or the entire amount, depending on the decision from Alliance Bank.


You can apply for the Alliance Bank Visa Infinite Business Credit Card with 2 options - personal or business liability. If you choose to bundle the credit card with personal liability, the minimum annual income is RM150000 and you're required to operate your business for at least 2 years. For business liability, on the other hand, the minimum annual turnover is higher at RM500000 with minimum 3 years' business operation.

The Personal Liability Visa Infinite Business Credit Card gives you the minimum credit limit of RM30000 for up to RM300000. Meanwhile, the credit limit falls between RM25000 and RM500000 for the credit card with company liability.

Last but not least, the credit limit is subjected to credit evaluation and your repayment capacity.